Most people leave truly planning for their retirement until it is too late. We don't just mean setting aside enough money to enjoy your retirement, but to really consider how you will spend your time. 

When you consider retirement do you visualise sitting in a rocking chair, with a pipe and slippers? 

Or do you envisage a far more active lifestyle, fulfilling the dreams you have had during your working lives? 

Planning can help you to make these dreams a reality.